STC:BID's PB Ratio is ranked worse than 82.95% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs STC:BID: 1.64
During the past 12 months, Joint Stock Commercial Bank for Investment and Development of Vietnam's average Book Value Per Share Growth Rate was 18.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 18.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 17.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 13.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Joint Stock Commercial Bank for Investment and Development of Vietnam PB Ratio Related Terms
Joint Stock Commercial Bank for Investment and Development of Vietnam PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Joint Stock Commercial Bank for Investment and Development of Vietnam PB Ratio Chart
Joint Stock Commercial Bank for Investment and Development of Vietnam Annual Data
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Joint Stock Commercial Bank for Investment and Development of Vietnam PB Ratio vs Banks Industry
Joint Stock Commercial Bank for Investment and Development of Vietnam PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) has a PB Ratio of 1.67 as of Jun. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. This is 19% below median its historical median of 2.07. Over the past decade, Joint Stock Commercial Bank for Investment and Development of Vietnam's PB Ratio has ranged from 1.09 to 3.23. According to the industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #1260 out of 1519 companies in the Banks industry, placing it in the top 82.9%.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam's PB Ratio too high?
Joint Stock Commercial Bank for Investment and Development of Vietnam's current PB Ratio of 1.67 is 19% below median its 10-year median of 2.07. Over the past 10 years, this metric has ranged from a low of 1.09 to a high of 3.23. The Banks industry median PB Ratio is 1.09. Joint Stock Commercial Bank for Investment and Development of Vietnam's value of 1.67 is 53.2% above this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #1260 out of 1519 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Joint Stock Commercial Bank for Investment and Development of Vietnam has a GF Scoreâ„¢ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Investment and Development of Vietnam's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #1260 out of 1519 companies for PB Ratio. This places Joint Stock Commercial Bank for Investment and Development of Vietnam in the lower half of its industry. The industry median PB Ratio is 1.09. Joint Stock Commercial Bank for Investment and Development of Vietnam's value of 1.67 is 53.2% above this benchmark. Historically, Joint Stock Commercial Bank for Investment and Development of Vietnam's own PB Ratio has ranged from 1.09 to 3.23 over the past decade. While the company's 10-year median is 2.07 vs. the industry median of 1.09, Joint Stock Commercial Bank for Investment and Development of Vietnam has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Joint Stock Commercial Bank for Investment and Development of Vietnam's current PB Ratio of 1.67 is 53.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Joint Stock Commercial Bank for Investment and Development of Vietnam's current PB Ratio is 1.67, which is 19% below median its own 10-year median of 2.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫47,178.25, compared to a current price of ₫42,400.00 — trading 10.1% below its estimated fair value. The current PB Ratio is 1.67, which is 19% below median its 10-year median of 2.07 and 53.2% above the Banks industry median of 1.09. Joint Stock Commercial Bank for Investment and Development of Vietnam's overall GF Score™ is 85/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID), the current PB Ratio is 1.67 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam stock appears to be undervalued.
The current stock price of â‚«42,400.00 is trading 10.1% below its estimated GF Value™ of â‚«47,178.25.
GuruFocus considers Joint Stock Commercial Bank for Investment and Development of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:BID:
PB Ratio: 1.67 (19% below median its 10-year median of 2.07)
GF Value™: â‚«47,178.25 vs. price of â‚«42,400.00 (10.1% below fair value)
Industry Position: 53.2% above the Banks median (#1260 of 1519)
No single metric tells the full story. See the STC:BID stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Investment and Development of Vietnam Business Description
Joint Stock Commercial Bank for Investment and Development of Vietnam is one of the leading commercial banks based in Vietnam. It is a leading provider of products and modern banking services and utilities such as loans, deposits, savings and current account. Its secondary offerings include insurance products of all types such as life and non-life insurance. Its add on services include a variety of brokerage services, investment advice and contribution to established enterprises to invest various projects. The bank's distribution network spans predominantly across Vietnam and a few countries abroad such as Laos, Cambodia, Myanmar, Russia and Czech Republic.
85GF Score
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